Your tax return doesn’t tell the whole story
Smart tax planning can make your income look lower on paper, and that can make a bank say no. We work with lenders that look at the full picture of your business.
- Traditional (A-lender): 2 years of T1 Generals and NOAs, and income averaged over two years.
- Stated income programs: insured options with as little as 10% down, based on reasonable income for your industry.
- Alternative (B-lender): flexible documentation and bank-statement programs, typically with 20% down.
- Gross-up and add-backs: some lenders add back business expenses like depreciation.